BofA Product Change Question

BofA Product Change Question

Eight years ago I had a prepaid Visa with BofA. I graduated to unsecured six months later and since then, I've had a gold card (incidentally, it's a very ugly card). I'd like to do a PC to the 1-2-3 card, but I'm not sure on one thing:

Re: BofA Product Change Question

I did a request today through online Chat and was granted a product increase from a platinum plus to the 1 2 3 cash rewards. She first said she needed to put through the request and I would hear back..I told her that I thought this process was immediate and no hard pull. She came back and confirmed no hard pull and card would be converted within 2-3 weeks and I will receive my new card in the mail. She also stated that it will be new account numbers.

Re: BofA Product Change Question

All it took is a phone call to do a PC from this ugly Preimum Gold card to the Bank Americard Cash Rewards (1-2-3) card.

Yes, it'll arrive in 2-4 weeks.

I also asked about when I'll be reviewed again for a CLI and the rep told me that it's not a practice they do anymore, since the 2009 credit law changes. Apparently, if I want more credit, I have to request a hard pull for their review.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.